Acton Academy vs Legacy Academy For Children
Acton Academy vs Legacy Academy For Children: Acton Academy costs $65K to $1.1M to open; Legacy Academy For Children costs $438K to $3.2M. Acton Academy has 8 units, Legacy Academy For Children has 8. SBA loan history: Acton Academy = 11 loans (0.0% default); Legacy Academy For Children = 11 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Acton Academy vs Legacy Academy For Children: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Acton Academy requires the lower minimum capital commitment ($65K vs $438K for Legacy Academy For Children), a 85% spread. Initial franchise fees come in at $19K for Acton Academy versus $75K for Legacy Academy For Children, Acton Academy has the lower entry fee. Ongoing royalty load is 3% for Acton Academy and 5% for Legacy Academy For Children, giving Acton Academy the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Legacy Academy For Children operates 8 units to Acton Academy's 8. Legacy Academy For Children has been operating 29 years (founded 1997) versus 17 for Acton Academy (founded 2009), a 12-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Legacy Academy For Children has the deeper SBA lending track record, with 11 7(a) approvals compared with 11 for Acton Academy. Acton Academy's peak SBA year was 2022 (3 loans); Legacy Academy For Children's peak was 2022 (3 loans). Legacy Academy For Children's more recent peak generally indicates fresher lender appetite. Acton Academy has the most SBA funded units in TX, with 5. Legacy Academy For Children leads in GA, with 10. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Acton Academy deals is $434K vs $1.9M for Legacy Academy For Children, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Acton Academy and 0.0% for Legacy Academy For Children. PeerSense FPI scores come in at 57 (Moderate) for Acton Academy and 54 (Moderate) for Legacy Academy For Children, giving Acton Academy the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 57/100 | 54/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 11 | 11 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $65K to $1.1M | $438K to $3.2M |
Franchise Fee | $19K | $75K |
Royalty Rate | 3% | 5% |
Ad Fund | 1.5% | 1% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 8 | 8 |
Franchised Units | 8 | 8 |
Company Owned | – | – |
Term Length | N/A | 25 yrs |
Brand Information
Year Founded | 2009 | 1997 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | NEW BRAUNFELS, TX | Acworth, GA |
Category | Elementary | Elementary |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Acton Academy or Legacy Academy For Children?
Lower upfront capital required
Tie
Acton Academy: $65K starting · Legacy Academy For Children: $438K starting
More SBA lender confidence
Tie
Acton Academy: 11 SBA loans · Legacy Academy For Children: 11 SBA loans
Lower SBA default rate
Tie
Acton Academy: 0.0% · Legacy Academy For Children: 0.0%
Larger system & brand presence
Tie
Acton Academy: 8 units · Legacy Academy For Children: 8 units
Lower ongoing royalty load
Acton Academy
Acton Academy: 3% · Legacy Academy For Children: 5%
More lender financing options
Legacy Academy For Children
Acton Academy: 7 unique lenders · Legacy Academy For Children: 8 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
Need Funding for Acton Academy or Legacy Academy For Children?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Acton Academy vs Legacy Academy For Children: Franchise Funding Comparison
Comparing Acton Academy and Legacy Academy For Children is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $3.2M.
Acton Academy has 11 SBA loans on record and Legacy Academy For Children has 11. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Acton Academy vs Legacy Academy For Children, Frequently Asked Questions
Which is a better franchise investment, Acton Academy or Legacy Academy For Children?
How much does a Acton Academy franchise cost compared to Legacy Academy For Children?
Can I finance Acton Academy or Legacy Academy For Children with an SBA loan?
Which has a lower SBA default rate, Acton Academy or Legacy Academy For Children?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman